26 Components of Email Address Data Extrapolated to Assist with Credit Risk Underwriting

By Larry Chiang

If you’re stumped because starting up “thin file analysis” is rough, you’re in a similar situation to a lot of credit risk analysts. Thin Experian/ TransUnion and Equifax credit reports are a challenge to underwrite properly
http://www.ucms.com/thin.html

To augment the existing Thin Credit files Analysis technique found at http://www.ucms.com/thin.html Let us examine “caller ID for email”.

Think "caller ID for email".
—@LarryChiang #cs183cs pic.twitter.com/hY9SahFZ7y

— Larry Chiang (@LarryChiang) July 21, 2016

There are 26 Components of Email Address Underwriting

Cont':
◻ Is your email address old.
◻ How guessable is your email address? Rate 1-10.
◻ did u just make it up!?! It shows!#cs183cs

— Larry Chiang (@LarryChiang) July 21, 2016

Larry Chiang (@LarryChiang)
7/21/16, 9:06 AM
Cont’:
◻ Is the email address similar to their name.
◻ Does their email sound like a small music business? “#noEmailClout”

#cs183cs

Larry Chiang (@LarryChiang)
7/21/16, 9:13 AM
Cont’
◻ Is their personal email address connected to their work email
◻ Does their email seem like it’s a job w/a W2.
#CloutScore #creditScore
#cs183cs

Larry Chiang (@LarryChiang)
7/21/16, 9:15 AM
..cont’
◻ What happens when credit applicant’s email address is googled!?
◻ Did they prep their email address for high FICO augmentation using credit protocol, #LTMVTA.
Does “email clout” seem important to applicant? #Klout3.0
#cs183cs

Larry Chiang (@LarryChiang)
7/21/16, 9:17 AM
Cont’:
◻ Is the email address connected to Apple Inc.
◻ Is credit applicant’s email on Facebook’s searchable friend Box
#Clout
#cs183cs
Larry Chiang (@LarryChiang)
7/21/16, 9:29 AM
Cont’:
◻ Is the email address a spam catchall with a related real world gmail (seeming like they’re sophisticated at sourcing email spammers OR ARE THEY dodging debt collectors.
◻ ARE they dodging Debt collectors?
#cs183cs
Larry Chiang (@LarryChiang)
7/21/16, 9:09 AM
Cont’:
◻ Looking at the email address, would you guess a student loan of $150k without doing a hard inquiry at #ExpTransFax!?
◻ CS stands for C.S. or credit score
#CloutScore
#cs183cs
Larry Chiang (@LarryChiang)
7/21/16, 8:58 AM
Cont’:
◻ Is credit applicant’s email address connected to LinkedIn.
◻ Has applicant executed one LinkedIn “blog post” to boost “email clout”
#Klout
#cs183cs
Larry Chiang (@LarryChiang)
7/21/16, 8:55 AM
Cont’:
◻ Is credit applicant’s email address connected to Twitter?
◻ Does applicant’s Twitter show that they work at the same W2 job?
#Klout
#cs183cs
Larry Chiang (@LarryChiang)
7/21/16, 8:53 AM
Cont’:
◻ Is credit applicant’s email address connected eventbrite where you’ve hosted one real event
◻ Is credit applicant’s email connected to a WORDPRESS account

Cont':
◻ Is your email address connected to eBay with a decent eBay rating
◻ Is your email connected to PayPay with a confirmed bank account

— Larry Chiang (@LarryChiang) July 21, 2016

Cont':

◻ Link email address to Amazon account and…
◻ make sure Amazon/UPS/Fedex don't have your address marked DO NOT DELIVER#cs183cs

— Larry Chiang (@LarryChiang) July 21, 2016